Honey08
Waffled a lot!
Does she have to have shoes & insurance? If you're thinking of having her pts then there seems little point insuring her and if she isn't ridden, she doesn't need shoes.
This. Did I miss an answer to this?
Could you not move your other horse to the turnout with your retired horse, remove shoes, stop insurance (other than 3rd party obviously) and see how you go on, while still looking for a loan home..?